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The Charles Schwab Earnings Calls
| Release date | Oct 16, 2025 |
| EPS estimate | $1.25 |
| EPS actual | $1.31 |
| EPS Surprise | 4.80% |
| Revenue estimate | 6.011B |
| Revenue actual | 7.041B |
| Revenue Surprise | 17.13% |
| Release date | Jul 18, 2025 |
| EPS estimate | $1.10 |
| EPS actual | $1.14 |
| EPS Surprise | 3.64% |
| Revenue estimate | 5.734B |
| Revenue actual | 6.816B |
| Revenue Surprise | 18.86% |
| Release date | Apr 17, 2025 |
| EPS estimate | $1.01 |
| EPS actual | $1.04 |
| EPS Surprise | 2.97% |
| Revenue estimate | 5.531B |
| Revenue actual | 6.65B |
| Revenue Surprise | 20.23% |
| Release date | Jan 21, 2025 |
| EPS estimate | $0.91 |
| EPS actual | $1.01 |
| EPS Surprise | 10.50% |
| Revenue estimate | 5.195B |
| Revenue actual | 5.329B |
| Revenue Surprise | 2.58% |
Last 4 Quarters for The Charles Schwab
Below you can see how SCHW performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 21, 2025 |
| Price on release | $80.93 |
| EPS estimate | $0.91 |
| EPS actual | $1.01 |
| EPS surprise | 10.50% |
| Date | Price |
|---|---|
| Jan 14, 2025 | $72.34 |
| Jan 15, 2025 | $73.66 |
| Jan 16, 2025 | $75.51 |
| Jan 17, 2025 | $76.41 |
| Jan 21, 2025 | $80.93 |
| Jan 22, 2025 | $80.60 |
| Jan 23, 2025 | $82.08 |
| Jan 24, 2025 | $81.83 |
| Jan 27, 2025 | $82.53 |
| 4 days before | 11.87% |
| 4 days after | 1.98% |
| On release day | -0.408% |
| Change in period | 14.09% |
| Release date | Apr 17, 2025 |
| Price on release | $76.15 |
| EPS estimate | $1.01 |
| EPS actual | $1.04 |
| EPS surprise | 2.97% |
| Date | Price |
|---|---|
| Apr 11, 2025 | $76.96 |
| Apr 14, 2025 | $76.92 |
| Apr 15, 2025 | $77.19 |
| Apr 16, 2025 | $75.70 |
| Apr 17, 2025 | $76.15 |
| Apr 21, 2025 | $74.95 |
| Apr 22, 2025 | $76.58 |
| Apr 23, 2025 | $77.82 |
| Apr 24, 2025 | $79.38 |
| 4 days before | -1.05% |
| 4 days after | 4.24% |
| On release day | -1.58% |
| Change in period | 3.14% |
| Release date | Jul 18, 2025 |
| Price on release | $95.80 |
| EPS estimate | $1.10 |
| EPS actual | $1.14 |
| EPS surprise | 3.64% |
| Date | Price |
|---|---|
| Jul 14, 2025 | $92.70 |
| Jul 15, 2025 | $91.61 |
| Jul 16, 2025 | $91.26 |
| Jul 17, 2025 | $93.10 |
| Jul 18, 2025 | $95.80 |
| Jul 21, 2025 | $96.25 |
| Jul 22, 2025 | $95.39 |
| Jul 23, 2025 | $95.15 |
| Jul 24, 2025 | $96.50 |
| 4 days before | 3.34% |
| 4 days after | 0.731% |
| On release day | 0.470% |
| Change in period | 4.10% |
| Release date | Oct 16, 2025 |
| Price on release | $93.41 |
| EPS estimate | $1.25 |
| EPS actual | $1.31 |
| EPS surprise | 4.80% |
| Date | Price |
|---|---|
| Oct 10, 2025 | $91.96 |
| Oct 13, 2025 | $93.49 |
| Oct 14, 2025 | $93.39 |
| Oct 15, 2025 | $94.33 |
| Oct 16, 2025 | $93.41 |
| Oct 17, 2025 | $94.14 |
| Oct 20, 2025 | $94.95 |
| Oct 21, 2025 | $95.09 |
| Oct 22, 2025 | $94.31 |
| 4 days before | 1.58% |
| 4 days after | 0.96% |
| On release day | 0.782% |
| Change in period | 2.56% |
The Charles Schwab Earnings Call Transcript Summary of Q3 2025
Schwab reported a strong Q3 2025 driven by high client engagement, favorable markets and ongoing strategic investments. Key operating results: 1.1 million new brokerage accounts and ~$138 billion in core net new assets in the quarter (nearly $356B YTD); record client activity (7+ million daily average trades for the third consecutive quarter) and margin balances at a record $97.2 billion. Financial performance: net revenues up 27% YoY to $6.1 billion, adjusted pretax margin >51%, and record adjusted EPS of $1.31 (up 70% YoY). The firm continued to reduce high-cost bank borrowings (supplemental borrowings down to $14.8 billion), returned capital via buybacks ($2.7B in the quarter, $8.5B YTD), and finished the quarter slightly above its target adjusted Tier 1 leverage objective. Strategic priorities remain: deepen client relationships across retail, Advisor Services and wealth/lending, expand branches and advisor support, deploy AI to improve service efficiency, and launch spot crypto (Bitcoin and Ethereum) in H1 2026. Management expects continued momentum into year-end with scenario-based planning for 2026 to be provided in January; they noted potential upside versus the July scenario and emphasized balanced reinvestment and capital returns while maintaining strong capital and liquidity positions.
